Health Insurance Product Reviews (BETA)
Major Carriers and High Deductible Health Plans
Vimo Editorial: Health Plan Profile
Aetna ’s PPO 5000 plan offers excellent coverage for a high-deductible plan, even delivering benefits for non-specialist doctor visits beforeyou’ve spent more than your deductible. In other words, after your plan goes into effect, you can have a standard doctor visit for just a $40 copay. Visiting a specialist is $50.
Granted, the deductible is very, very high. At $5,000 for individuals, it would take a serious medical emergency for you to burn through it. The plan also offers a pre-deductible $40 copay for an annual OB/GYN exam, and $15 copays for generic prescription drugs.
BEST FOR: Someone looking for the lowest monthly payments they can find, and is willing to pay a very high deductible, out-of-pocket maximum, and office visit copays in return.
PROS: The low premiums and Aetna, which has a great network in California.
CONS: A lack of maternity coverage may mean that the plan won’t appeal to many young women. The deductible is awfully, awfully high as well, particularly for a plan that isn’t compatible with Health Savings Accounts (HSAs).
Vimo is committed to an objective, open and comprehensive comparison shopping experience for health insurance buyers, and we welcome suggestions, updates and corrections from consumers and the insurance community.
Health insurance companies modify their offerings quite often. Contact a licensed health insurance agent to learn more about this health plan, any recent changes to it, and to verify that its benefits are currently available in your state.